Best SC HELOC RatesSouth Carolina Home Equity Line of Credit Rates

Conditions:
This is not a pre-approval or an offer of credit. This is an invitation to apply and to qualify for a loan you must meet our credit and other requirements. Applicants are required to complete an application, provide income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. FBKC’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. Offer APRs assume automatic payment enrollment which provides a .50% discount (autopay enrollment is not a condition of loan approval). Origination fee is discounted to $397.50 with autopay enrollment. The HELOC interest rate floor is 5% and ceiling is 18%. Our minimum line amount is $25,000 and maximum line amount is $350,000. The minimum draw amount is $25,000 or half of the maximum line amount, whichever is greater. HELOCs require you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, are subject to change without notice. Repayment begins 30 calendar days after funding. FBKC also offers fixed rate Home Equity Loans (HELOAN). Rates vary depending on credit, CLTV, property type, occupancy and loan terms.

Conditions:
NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Owning Home Equity Line of Credit is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender Owning HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. The Owning Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario. Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613

Conditions:
NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Guaranteed Rate Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and government fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario.

Conditions:
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.

Conditions:
Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Consult a tax professional regarding the potential deductibility of interest. FourLeaf does not currently offer HELOCs in Texas or for cooperative (co-op) properties. Membership at FourLeaf is required by opening a minimum $5 share savings account at or prior to HELOC account opening. https://www.fourleaffcu.com/personal/heloc-disclosures/

Conditions:
Renovation loans available through RenoFi. RenoFi is a broker and does not make credit decisions; loans underwritten and funded by third party lenders. Not available in all states. Not all borrowers or property types qualify. Terms and conditions apply, including acceptable membership requirements stipulated by third-party credit union lenders. Loans above $500K may be subject to additional limitation and underwriting requirements. Closing costs and loan fees apply. Equal Housing Opportunity. NMLS # 1802847 (www.nmlsconsumeraccess.org). In CA: Renovation Technologies Holdings Inc. (NMLS # 2412747), CA Department of Real Estate Broker License # 02195141.

Conditions:
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.

Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business

Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!

Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.